VOA慢速英语(翻译+字幕+讲解):信用卡—美国留学生活的利器
日期:2017-02-04 10:49

(单词翻译:单击)

JU[3GQ(Z-1))qdb=0-LLDB.bECL0Q1

听力文本

UvkRG(=58-7Fz

More than one million international students are studying in the United States. Many of them find it helpful to have a smartphone and an American credit card. These things make it easy to pay for many kinds of goods and services.
But getting a credit card as an international student is not a simple process. Normal U.S. lenders ask for a social security number. They also ask to see a person's credit history. This helps the lenders trust that someone is responsible and will make timely payments.
These are the things most international students do not have.
But one company is trying to make the process easier and fairer for them.
A history of credit
Jack Guo is from China. He now studies at a university in California.
He says having an American credit card makes it easier for students to get around town. And, he says, credit cards are important for international students who hope to live in the country in the future.
"A lot of my friends who have had the cards already because it's pretty important to get around L.A. And also if you're going to stay here afterwards for a job, for internship, for career, of course, you are going to consider buying property to live here, and having credit is pretty important if you want to get a loan."
In some countries, paper money, or cash, remains a common way to pay for goods. But in the United States, people often use credit cards. They have become even more common with the rise of e-commerce.
A new way to measure credit
Kalpesh Kapadia came from India to study at Carnegie Mellon University in Pittsburgh, Pennsylvania. He faced the same difficulties that many international students face when trying to get an American credit card.
He decided to open SelfScore. The company has a different way of measuring a person's financial trustworthiness, Kapadia says. Instead of asking for credit history and a social security number, SelfScore looks at documents such as passports, visas, and acceptance letters to American schools. The company also considers a student's ability to pay.
"The traditional system was designed in the 20th century before Internet, before smartphones, before social media, and it's kind of antiquated. We are inventing a new system."
About 10,000 international students from more than 66 countries now have credit cards through SelfScore.
Kapadia says less than 1 percent of SelfScore's credit card holders are past due on their payments.
He calls international students "highly motivated," or driven to succeed.
"This is a highly motivated population. Someone who comes here, 10,000 miles away, to make their life better through education is going to be behave quite differently."
I'm Phil Dierking.

LdJR_10fjd1

词汇解析

4Lgm&GJ_=%28|mW7

1.afterwards adv.后来,随后,然后

9O+M%a[1Ap&LS3=1v

I’ll tell you what happened afterwards.
我会告诉你后来发生的事的;(LXOTSSZVei@e]s!&7

.JMi~C5N8PM%N@uw.Ji

2.property n.财产,房地产

!InixY_e@VlTYM

Cecil inherited a family property near Stamford.
塞西尔继承了斯坦福附近的一处家族房产fK^F%a,9;f8

b^z#o,%UKhG0S_1

3.loan n.贷款

P9A|[eb*(i9

The country has no access to foreign loans or financial aid.
该国得不到外国贷款或财政援助nSQ|,t85d|f

&XJNfZ9A6gH!KvU

4.measure vt.估量,衡量

iINUmzp]dVw

I continued to measure his progress against the charts in the doctor's office.
我继续根据医生办公室里的图表来估量他的进展#x~T7ZNO#rUHx

(a(BRCf1O.yEZy=O#u!o

5.trustworthiness n.可信赖,确实性

2eXs7xN)#knuckDmXw

Therefore, the domains of the servers don't represent trustworthiness of the contents.
因此,服务器所在的域并不能代表其内容的可信任度n)y7h2TR@4GBWM_

0~|y0PvDTi[C

6.antiquated adj.过时的,陈旧的

!XGidPLXOLs1Xi;~Lki~

He finds himself in the basement, which is packed with antiquated instruments and equipment.
他发现底下是个地下室,里面遍布了过时的工具和器械Li(U;Ggm7|ZJYwwgW^Xd

内容解析

|~%6pg1!^K

1.Normal U.S. lenders ask for a social security number.

Ev)VKKtsGBj!

social security 社会保险,社保

xs8u;U5Uq7

My mother never worked, so she's not eligible for Social Security.
我母亲从未工作过,因此她不符合社会保险资格c_]8;CxA#Ndv1

ov9.N1I.eAc|,z

Future retirees are expected to get smaller Social Security benefits than promised.
预计未来的退休者领取到的社会保险金要比许诺的少-2T]wZVL[lA]=+fA8%

kg8K8e58bV-U(fN

2.Kapadia says less than 1 percent of SelfScore's credit card holders are past due on their payments.

xau7m0HsR8ujN*0W)P(C

past due 过期的,延期的,过期未付的

^8STFT]G+12eRiH)Cc

That report is past due and could come at any time, although some analysts say it might not be released until after Chinese President Hu Jintao visits Washington in January.
这份报告再三延期,随时可能公布,尽管有些分析师表示,等到中国国家主席胡锦涛明年一月访问美国后,这份报告才会出炉Wq-]P5;][*-.ZDcR=

z~@IOybGI4

Comment: The only significant metro area in Florida with a delinquency rate below 10% is Pensacola, where 9% of mortgages are 90 days or more past due.
注释:在佛罗里达州唯一低于10%拖欠率的地区是彭萨科拉,其中9%的按揭贷款达到90天的逾期时间0LturY6J[t

参考译文

P7K7Mw=)CV2w+

美国有100多万国际留学生)@r]^|asUZYAj@TX5。对其中很多人来说,拥有一部智能手机和一张美国信用卡是很有用的Nd3;CSD%=0V%]_。这两样东西让支付实物和服务这件事变得简单fUne8bC|2&;C(T2^Kpv8
但想要以国际留学生的身份获得美国信用卡并不容易yP9rxl|jEwiX%Y。通常,信用卡公司会询问申请人的社会保险号IHv-^siJm~。此外还会查询申请人的信用记录qmkC*TQ+FpaZ#-1!。这样做能帮助他们信任持卡人富有责任感,能及时支付借款[Hb1%739|0|AC]ZF[Hs
然而上述条件是大多数国际留学生不具备的HBWt-~)Q1BhP-lxLRX*
不过没关系,有一家公司正试图让办卡过程更简单、更公正2P.,fdJZK+-H^

k6viPlIA4z2AVWPF=3jO

voams0204.jpg
信用记录
郭某来自中国Y!gO|Z#4BF+0Ec。他目前在加州的一所大学留学K^.u1b+x%E%
郭某表示,有了美国信用卡,学生们在这里生活就变得容易多了(gk~0kj(Rrt|。此外,他还说,对于有留美生活想法的国际留学生来说,信用卡也是很重要的~.T&v3M^DU
“我的很多朋友都已经办了美国信用卡,因为要在洛杉矶生活,有信用卡还是很重要的5n_ylK)Tycm。而且,如果以后你想留在美国工作、实习,或为了事业的长远发展的话,你当然得考虑在这儿买房生活,而信用卡能帮你贷款,非常重要B1QBFwJw1-;%(7zQ+)L。”
一些国家的常见支付方式依然是纸币ipG!6rGqt#Z~u。但美国人通常会用信用卡支付pqBJuqHlWXjQB。而随着电子商务的流行,信用卡支付变得愈发普遍wKcMObgq|[Y
衡量信用的新方式
来自印度的卡帕迪亚在宾夕法尼亚州匹兹堡市的卡耐基梅隆大学读书4i!O20|JzjWhzP-。他跟很多想要获得美国信用卡的留学生面临同样的难题Vabt;TrA1Zsg#*+j
卡帕迪亚想办理万事达(SelfScore)信用卡EnWTTV32=y*SxWvO。万事达公司衡量申请人金融可信度的方式略有不同,卡帕迪亚说wUF*Ac%0j@Ps)yMZg。除了考量申请人的信用记录、社会保险号之外,万事达公司还会查看护照、签证、美国大学的接收函等文件#-6zDdilrFK#4t8)4。此外,该公司会考量该学生的支付能力j@8k6@R8@RGb
“传统信用卡系统是20世纪设计的,那时候还没有互联网,没有智能手机,没有社交媒体,这个系统太过时了n,r,fWz!!Xvww。我们要发明一个新系统y=|ZM^fNi_dfnott*。”
如今,超过66个国家的1万名国际留学生已经通过万事达申请到了美国信用卡%.(%JnqN1j1H
卡帕迪亚说,在万事达的所有持卡用户中,仅有不到1%的人有延迟交付现象&2Oj,9Z|X0!d~S
在卡帕迪亚眼中,国际留学生是一个“有着极强上进心,”成功只争朝夕的群体X@8VSY.mHxye*C
“这是一个有着高度上进心的群体T4IxRnhJ;GE3Kq2FKWb。有的人不远万里来到这里,就是为了通过教育让自己的生活更好,在这里,他们注定卓尔不群bLp!H_=v&Cb。”
Phil Dierking为您播报;5D^G,9j*4

lA]GwbIunt7Nbado-3

译文为可可英语翻译,未经授权请勿转载!

a9B!OL8yg;I_~clA2ka)ETZ_d|4ADH@T=in8q_bwHN^!5p2Tzk
分享到
重点单词
  • traditionaladj. 传统的
  • creditn. 信用,荣誉,贷款,学分,赞扬,赊欠,贷方 (复)c
  • timelyadj. 及时的,适时的 adv. 及时的
  • socialadj. 社会的,社交的 n. 社交聚会
  • commentn. 注释,评论; 闲话 v. 注释,评论
  • propertyn. 财产,所有物,性质,地产,道具
  • acceptancen. 接受(礼物、邀请、建议等),同意,认可,承兑
  • antiquatedadj. 陈旧的,过时的,年老的 动词antiquate
  • securityn. 安全,防护措施,保证,抵押,债券,证券
  • motivatedadj. 有动机的;有积极性的 v. 使产生动机;激发…